CMS Price Transparency Data

Occupational therapy (therapeutic activities)

Facility: PAM Health Rehabilitation Hospital of Greater Indiana

Billing Code: 97530 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 97530
Insurance Median: $51
Cash Discount Price: $157
vs. Medicare Baseline: 1.45x Medicare

The contracted insurance negotiated median rate for a Occupational therapy (therapeutic activities) at PAM Health Rehabilitation Hospital of Greater Indiana is $51. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $157. Compared to the federal Medicare reimbursement reference rate of $35.07, this hospital’s rate is 1.45x the Medicare baseline. Located in 2101 Broadway St, Clarksville, IN.

Cash / Self-Pay

$157

Average discount available for prompt cash payment at this facility.

Insurance Median

$51

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$35.07

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $35.07 (100%)

Cash / Self-Pay: $157 (448%)

Insurance Median: $51 (145%)

Cash: $157 (448% of Medicare)

Ins. Median: $51 (145% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $35.07 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Humana	$22 - $33	63%
Blue Cross Blue Shield	$30 - $51	86%
Aetna	$31 - $110	88%
Palm Beach Aco Reach	$32	91%
Caresource	$33 - $51	94%
Ilumed Aco Reach	$33	94%
UnitedHealthcare	$33 - $175	94%
Caresource Indiana	$39	111%
Velocity Provider Ppo Network	$39 - $118	111%
Prime Health Services	$43 - $134	123%
Multiplan/Phcs	$94	268%
America'S Choice Provider	$110	314%
Quik Trip	$118	336%
Usa Managed Care Organization	$118	336%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $157.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 97530.

Insurance In-Network Protection Plan

Contact your insurance company to confirm PAM Health Rehabilitation Hospital of Greater Indiana is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 97530.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.